摘要
Abstract
[Research purpose]Under the current complex and volatile international economic and political situation,China's small and medium-sized enterprises(SMEs)are confronted with prominent issues such as insufficient innovation impetus and restricted financing channels.Among them,capital shortage has become a bottleneck restricting their technological upgrading and sustainable development.Digital inclusive finance,by leveraging technology to restructure the financial service model,has found a new way for SMEs to access financing at low cost and high efficiency.This is conducive to optimizing the development environment for SMEs and promoting high-quality economic development.[Research method]Firstly,through literature analysis,the domestic and international research achievements on the correlation between digital inclusive finance and the innovation of SMEs are sorted out to clarify the research gap and the theoretical extension direction.Secondly,by using data analysis and case analysis,the specific pathways of digital inclusive finance in alleviating financing constraints and optimizing resource allocation are analyzed.Thirdly,the main problems faced by digital inclusive finance in empowering the innovation of SMEs are discussed in detail.Finally,based on policy analysis,strategic guidance is provided for inclusive finance to empower the innovation of SMEs.[Research conclusion]Research findings indicate that the empowerment of SMEs in innovation through digital inclusive finance currently faces four major challenges:uneven distribution of digital infrastructure,relatively lagging innovation in financial products and services,insufficient capabilities of SMEs themselves,and the need for further strengthening of policy support and regulatory coordination.Based on these findings,the research proposes a four-dimensional optimization path,namely,strengthening the construction of digital infrastructure,promoting innovation in financial products and services,enhancing the capabilities of SMEs themselves,and reinforcing policy support and regulatory coordination.关键词
数字普惠金融/中小企业/创新发展/路径选择/协同监管Key words
digital inclusive finance/small and medium-sized enterprises/innovation-driven development/path selection/collaborative supervision分类
管理科学
